Answer: The insurance broker is the one who in the first place works for the sake of the client. Apart from that he/she has enough experience, vision and knowledge about the specifics of all insurances, not only those of a specific insurance company, but also the products of all other companies on our market! In this sense the client will always be correctly informed and oriented about the conditions related to different covers and respectively be  consulted in the most accurate and honest manner. It is important to emphasise that the insurance price is the same in both cases.

Answer: The General Conditions to every Policy are an important and integral part! Without them the Policy has no value, because such are the so called “rules of the game”. So it is necessary for every client to be well acquainted with what they contain!

• There are no injured persons
• Neither vehicle has been immobilised
• Both drivers agree on whose the guilt for the accident is
• Both vehicles have Bulgarian registrations

Answer: It depends on the type of event, so it will be best for you to contact one of our representatives and get instructions how to react.

Answer: Depending on the year of manufacturing, the premium paid or the additional agreements, each partial damage can be indemnified in one of the following ways:

• Repair in the official service station
• Repair in an authorized service station
• Payment upon a submitted invoice
• Payment according to an expert’s appraisal

Answer: The “Third party liability” insurance has a limited cover which includes material and non-material damages caused by the driver of the motor vehicle to third parties, whereas “Comprehensive liability” insurance cover only damages to the vehicle itself irrespective of who inflicted them.

• In case of “theft”, “unlawful taking through force” and “fire”, it is necessary to call the hotlines of the Insurer immediately and give a written notice within 24 hours
• In case of a Road Accident the terms of notice are up to 3 working days, which is different with different insurance companies.

Answer: The insurance contract comes into force from a specified time on a given date on condition that all additional requirements have been complied with and the insurance premium has been paid!

Answer: The services of mobile groups can be used always when the Traffic Police are not obligated to visit the place of accident, most commonly this refers to cases with light and medium damages.

• „Armeec“– +359 2 8190800, +359 2 8190900; +359 887 922444
• „Bul ins“– +359 800 16668
• „Lev ins“– +359 800 15333,+359 800 10200

Answer: Road Assistance covers the repatriation of the motor vehicle from the place of accident to a service station to an address chosen by the client, where different companies have different limits – for amounts, mileage or a specific carrier.

Answer: A change in the data of the insured object is information of essential character for the Insurance companies! This makes it necessary to notify them about any change within the specified terms, because otherwise the cover of the insurance can be denied either partially or fully.

Answer: This is very useful, because the health card covers only urgent medical conditions, whereas the medical assistance insurance abroad has much higher limits of indemnifications. It is however necessary to put stress on the fact that the cover of this insurance include accidents and diseases whose cause does not precede the time of departure. These insurances are rather attractive in terms of the price-cover ratio and are completely voluntary.